More sign up for consumer-focused coverage

As healthcare costs continue to rise, so does the number of people enrolling in consumer-driven and high-deductible health insurance plans. Research from the Employee Benefit Research Institute shows 5.7 million people have CDHP plans and 17.2 million have HDHPs.

Those with CDHP coverage were found to be more engaged in monitoring their own healthcare. Approximately 15 percent more people with CDHPs took part in health risk assessment programs than those with traditional coverage.

Furthermore, the study reveals that those with CDHPs and HDHPs were less likely to smoke, but more likely to exercise.

Cost is cited as one reason employers are gravitating towards such plans. The coverage translates into fewer expenses for a company, but more accountability for plan holders. In some cases, the plan option isn't ideal because of the high out-of-pocket costs that must be reached.

Those looking to save may be better off using a health savings account. Such plans allow participants to deposit funds tax-free and use them to help cover medical expenses. Many employers are beginning to offer such accounts where money can be directly deposited from one's paycheck.